PA, MD, and NJ Worker comp

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      John Ison
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      I have a small telecommunications contractor who is based out of KY, and has a KY work comp policy, he only has resident KY employees. However he is primarily working in PA, MD, and NJ. A check of the advisors tools links takes you to the Oregon DOI sire and I have found that both PA and MD have reciprocity and neither have a specific duration of work. BUT NJ have no reciprocity. KY has extraterritorial coverage and reciprocity. So given these facts my contractor must purchase a NJ policy in addition to the current KY policy which provides coverage while doing work in PA and MD? This is correct?

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